When Carol Meerschaert of Paoli, Pennsylvania divorced 10 years ago, she experienced first-hand how starting over as a single mom also means managing the money without any help.

Her kids were 7, 10 and 14, and even though she had income as a dietician, “it certainly was very challenging,” Meerschaert recalls. She moved into a smaller home, paid her own mortgage and, in time, funded college tuition for her eldest daughter.

For all that he achieved in his life in terms of his public image, Steve Jobs was famously not a public philanthropist, unlike his equally titanic tech rival, Microsoft’s former head Bill Gates.

Gates these days is almost as well known for the ongoing good work of the Gates Foundation as he is his private sector success. Jobs, by contrast, kept gates of secrecy around whatever philanthropic impulses he possessed. His giving track record remains shrouded after his passing from pancreatic cancer on Oct. 5, and while his will could shed some light on that, there’s yet no public knowledge of who has the will, when it will be disclosed, and whether charities will get anything.

Earlier this month, Reuters Money featured a story with advice on how to get on the road to Millionaire Row. But what if you’re in a hurry, like so many multi-tasking teens of the 21st Century? What if your goal is to make that million by the time you turn 21? Can it be done?

The answer is yes, if you take the fast lane as an entrepreneur on steroids — something common to the four millionaires we polled for this follow-up. Three made it to the seven-digit milestone by 21; the fourth reached it when he turned 24. Here, those wealthy whiz kids past and present share the secrets that contributed to the fortunes they made.

About Lou

"Lou Carlozo most recently served as the managing editor at WalletPop.com, AOL's personal finance website. He also wrote and created "The Recession Diaries" column at the Chicago Tribune, where he served as an editor and staff writer for 16 years. The author of a journalism textbook and an adjunct professor at National-Louis University, Carlozo is the lead popular music critic for Christian Century magazine, a contributor to Downbeat magazine and also writes the "Green Dad" column for DealNews.com. The opinions expressed are his own."